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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.903%APR 6.939% | 0 pts$0 | $1,964/moP&I $1,964 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.053%APR 6.824% | 0 pts$0 | $1,969/moP&I $1,829 · MI $139 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.998%APR 6.049% | 0 pts$0 | $1,787/moP&I $1,787 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.865%APR 6.902% | 0 pts$0 | $1,957/moP&I $1,957 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.669% | 0 pts$0 | $2,111/moP&I $2,111 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.998% | 6.049% | 0 pts ($0) | $2,516/mo | $50,237 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.989% | 6.042% | 0 pts ($0) | $3,143/mo | $69,967 |
Condo 10% Down | 10% | 720 credit score | 7.170% | 7.339% | 0 pts ($0) | $2,270/mo | $79,641 |
Conventional 10% Down | 10% | 720 credit score | 6.603% | 6.759% | 0 pts ($0) | $2,143/mo | $73,909 |
Conventional 20% Down | 20% | 740 credit score | 6.903% | 6.939% | 0 pts ($0) | $1,964/mo | $60,788 |
Conventional 5% Down | 5% | 700 credit score | 7.018% | 7.496% | 0 pts ($0) | $2,360/mo | $82,443 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.345% | 7.384% | 0 pts ($0) | $2,567/mo | $88,221 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,206/mo | $74,736 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.813% | 7.189% | 0 pts ($0) | $2,360/mo | $85,199 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.865% | 6.902% | 0 pts ($0) | $2,446/mo | $82,826 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,076/mo | $73,335 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.053% | 6.824% | 0 pts ($0) | $2,207/mo | $77,579 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,258/mo | $79,059 |
FHA Streamline Refi | 0% | 640 credit score | 6.248% | 7.022% | 0 pts ($0) | $2,335/mo | $82,616 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.988% | 7.232% | 0 pts ($0) | $2,353/mo | $85,309 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,332/mo | $45,657 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.669% | 0 pts ($0) | $1,979/mo | $63,077 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $2,009/mo | $62,783 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,167/mo | $66,456 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.420% | 7.197% | 0 pts ($0) | $2,294/mo | $81,618 |
Second Home 10% Down | 10% | 720 credit score | 5.945% | 6.518% | 0 pts ($0) | $1,999/mo | $67,270 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,961/mo | $60,617 |
VA 0% Down | 0% | 700 credit score | 6.046% | 6.290% | 0 pts ($0) | $2,294/mo | $75,811 |
VA Cash-Out Refi | 0% | 640 credit score | 6.059% | 6.428% | 0 pts ($0) | $2,297/mo | $75,960 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.069% | 6.221% | 0 pts ($0) | $2,300/mo | $76,075 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,051/mo | $64,888 |
Frequently Asked Questions
What are today's mortgage rates in 22469, , VA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 22469, , VA is 6.903% (with an estimated monthly payment of $2,217). Active program rates also include FHA 30-year fixed loans at 6.053% and VA 0%-down fixed loans at 6.046%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 22469, , VA?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 22469, , VA have fluctuated between a low of 6.527% and a high of 6.981%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 22469, , VA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $372,740 in 22469, , VA, a standard 20%-down Conventional loan requires an upfront cash down payment of $74,548 but keeps your monthly payment lower at $2,217/mo (at 6.903% interest) with no monthly PMI. In comparison, an FHA loan requires only $13,046 (3.5% down) but has an estimated payment of $2,491/mo (at 6.053% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $359,694 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 22469 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 22469 is $806,501. With a typical local home value of $372,740 in , a standard 20%-down mortgage requires a loan size of $298,192. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 22469, , VA impact estimated mortgage payments?
The median home value in 22469, , VA is estimated at $372,740. Buying a typical home here with a standard 20% down payment ($74,548) translates to an estimated starting monthly mortgage payment of $2,217 (principal and interest). Compared to the local area median household income of $69,594 ($5,800/mo), this basic housing payment represents approximately 38.2% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.